Terms of Use
Last updated: January 2024
Welcome to the emerald-amount website. By accessing and using this site, you agree to these terms. They're designed to ensure everyone can use our site safely and fairly. Please read them carefully.
About This Website
This website is operated by emerald-amount Ltd, a financial advisory firm registered in England and Wales. The site provides information about our services and general educational content about financial planning. It's designed to help you learn about what we do and decide whether our services might be useful for you.
Not Financial Advice
This is important: the content on this website is for general information only. It doesn't constitute financial advice, and you shouldn't rely on it when making financial decisions.
Financial advice must be tailored to your individual circumstances—your goals, risk tolerance, time horizons, and overall situation. Website content can't account for these personal factors. Before making significant financial decisions, we strongly recommend speaking with a qualified advisor who understands your specific situation.
If you become a client, we'll provide personalised advice under a separate engagement agreement with its own terms.
Who Can Use This Site
This website is intended for adults (18 years and older) located in the United Kingdom. Our services are only available to UK residents. While anyone can view the site's content, the information is written with UK regulations, tax rules, and financial products in mind.
Intellectual Property
The content on this website—including text, graphics, logos, and design elements—belongs to emerald-amount Ltd or our licensors. You may view, download, and print pages for personal, non-commercial use. However, you may not:
- Republish material from this site without permission
- Sell, rent, or sub-license website content
- Reproduce, duplicate, or copy material for commercial purposes
- Edit or modify any material
- Remove any copyright or proprietary notices
If you'd like to use our content for purposes beyond personal use, please contact us to discuss licensing.
Accuracy of Information
We work to keep our website content accurate and up to date. However, financial regulations, tax rules, and market conditions change frequently. Information that was accurate when written may become outdated.
We don't guarantee that all information is complete, accurate, or current. While we correct errors when we discover them, we can't promise the site is error-free at any given moment.
Prices, fees, and service details mentioned on the website are indicative. Actual prices will be confirmed when you engage our services.
Links to Other Websites
Our site may contain links to third-party websites. These links are provided for convenience and information. We don't control these external sites and aren't responsible for their content, privacy practices, or availability.
A link doesn't imply endorsement. When you follow a link to another site, you're subject to that site's terms and privacy policy, not ours. We recommend reviewing the terms of any site you visit.
Security and Your Account
If we ever provide account-based features, you'll be responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately if you suspect unauthorised access.
We implement reasonable security measures, but no internet transmission is completely secure. We can't guarantee the security of information transmitted through our website.
Acceptable Use
When using our website, you agree not to:
- Use the site in any way that violates applicable laws or regulations
- Attempt to gain unauthorised access to our systems or data
- Introduce viruses, trojans, or other malicious code
- Overload, damage, or impair the site's infrastructure
- Use automated systems to extract data without permission
- Impersonate any person or entity
- Interfere with other users' enjoyment of the site
We reserve the right to restrict access if we believe you've violated these terms.
Limitation of Liability
To the extent permitted by law, emerald-amount Ltd shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or inability to use this website
- Any errors or omissions in website content
- Unauthorised access to your data
- Statements or conduct of third parties on the site
- Any other matter relating to the website
Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under English law.
Indemnification
You agree to indemnify and hold harmless emerald-amount Ltd, its directors, employees, and agents from any claims, damages, or expenses arising from your violation of these terms or your use of the website.
Changes to Terms
We may revise these terms at any time by updating this page. Changes take effect when posted. By continuing to use the site after changes are posted, you accept the modified terms. We encourage you to check this page periodically.
For significant changes, we may provide more prominent notice, but we're not obligated to do so for minor updates.
Service Availability
We aim to keep this website available continuously, but we can't guarantee uninterrupted access. We may suspend, restrict, or terminate the website or any part of it at any time without notice for maintenance, security, or other reasons.
We won't be liable if the website is unavailable at any time or for any period.
Regulatory Information
emerald-amount Ltd is authorised and regulated by the Financial Conduct Authority. This website has been reviewed to ensure it complies with FCA requirements regarding financial promotions and fair, clear, and not misleading communications.
Our regulatory status relates to our advisory services, not to this website itself. The website is a marketing communication, not a regulated document.
Governing Law
These terms are governed by English law. Any disputes relating to these terms or your use of the website will be subject to the exclusive jurisdiction of the English courts.
If you're a consumer, you may also be entitled to use the EU Online Dispute Resolution platform, though we prefer to resolve issues directly.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions will continue in effect. The unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.
Entire Agreement
These terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and emerald-amount Ltd regarding your use of this website. They supersede any prior agreements or understandings.
No Waiver
Our failure to enforce any provision of these terms doesn't constitute a waiver of that provision or our right to enforce it later.
Contact
If you have questions about these terms, please contact us:
Email: [email protected]
Post: Legal Team, emerald-amount Ltd, 45 Greenfield House, Canary Wharf, London E14 5AB
Complaints
If you're unhappy with any aspect of our website or these terms, please let us know. We have a complaints procedure and will work to resolve issues promptly. For complaints about our regulated services, specific procedures apply which we'll explain separately.